Rental Loans
Long-term financing for investors acquiring or refinancing income-producing properties. Designed for stable cash flow and portfolio growth. Qualify on rental income with DSCR underwriting so the property pays for itself.
- 30 yr
- Terms
- Up to 80%
- LTV
- 1.0
- DSCR From
A DSCR rental loan is long-term financing for buy-and-hold investors that qualifies on the property's cash flow instead of your personal income. DSCR stands for Debt Service Coverage Ratio — the rent the property generates divided by its monthly debt payment. If the property covers itself, it qualifies. No W-2s, no tax returns, no debt-to-income headaches.
This is how serious landlords scale. Conventional mortgages cap the number of loans you can hold and drown you in personal-income documentation. DSCR underwriting looks at the asset, so you can grow a portfolio well past the traditional limits — one door or fifty.
Use a rental loan to acquire a stabilized rental, or to refinance out of a fix and flip or bridge loan into permanent financing once the property is rented and seasoned. Interest-only options and 30-year fixed terms keep your monthly payment — and your cash flow — working for you.
RentalRates, Terms & LTV
The headline numbers for a rental loan. Every deal is priced on its own merits — these are the guardrails.
| Metric | Terms |
|---|---|
| Loan-to-Value | Up to 80% |
| Minimum DSCR | 1.0 |
| Term | Up to 30-year fixed |
| Structure | Interest-only options |
| Property | 1–4 units, multi-family & portfolios |
| Income Docs | None (property qualifies) |
Why It Works
- Qualified on rental income, not your paycheck
- DSCR underwriting — property pays for itself
- 30-year terms available
Best For
- Buy-and-hold investors
- Investors refinancing out of a flip or bridge loan
- Landlords growing a rental portfolio
Rates & Terms
- 30-year fixed available
- Up to 80% LTV
- DSCR from 1.0
- Interest-only options
Process
- Fast term sheet
- Close in 2–3 weeks
- Streamlined refi process
- Portfolio loans available
Collateral
- Single-family rentals
- Multi-family & portfolios
- Stabilized, income-producing
How Rental Funding Works
- 01
Send The Property
Share the address, current or market rent, and whether you are purchasing or refinancing.
- 02
DSCR Review
I calculate the debt service coverage ratio from the rent and target payment — no personal-income docs required.
- 03
Term Sheet
Get a term sheet with your rate, LTV, and structure. Interest-only and 30-year fixed options available.
- 04
Close & Hold
Close in 2–3 weeks and hold long-term, or refinance a portfolio into a single streamlined loan.
Property Types We Fund
A rental loan works across these property types. Explore each to see specifics on underwriting and leverage.
Rental Deals I've Funded
Real closings, real investors. Here are rental projects funded with the same speed and terms waiting for your next deal.
- Cashout Refi
$1,754,370
Fort Lauderdale, FL
Commercial
- Cashout Refi
$1,737,000
Spring Valley, NY
Multi-Family
- Cashout Refi
$1,500,000
Cockeysville, MD
Commercial
States Where I Fund Rental Deals
See local rates, terms, and funded deals for your market.
I refinanced six doors into one DSCR loan without a single tax return. This is how you actually scale a portfolio.
Qualifying For A Rental Loan
I underwrite on the deal, not red tape. Here's what makes a rental loan easy to approve.
- A stabilized, income-producing rental property
- Rent that covers the debt payment (DSCR ≥ 1.0)
- Entity (LLC) borrower — non-owner-occupied
- Property in rentable, insurable condition
- Basic reserves for taxes and insurance
Rental Loan FAQs
Debt Service Coverage Ratio underwriting qualifies the loan based on the property's rental income relative to its debt payment — not your personal income or tax returns.
Yes. Portfolio loans are available so you can finance or refinance multiple doors under a single loan with one closing and one payment.
No. DSCR loans skip personal-income and debt-to-income verification. The property's cash flow qualifies the loan, which is what lets investors scale past conventional limits.
Generally a DSCR of 1.0 or higher, meaning the rent at least covers the debt payment. Stronger ratios can unlock better pricing and higher leverage.
Absolutely. Many investors use a fix and flip or bridge loan to acquire and renovate, then refinance into a long-term DSCR rental loan once the property is leased and seasoned.
Often yes. Short-term rental income can be used to qualify depending on the market and documentation. Send me the property and I will tell you how it underwrites.
Explore More Loan Options
Supporting Guides & Articles
- 5 Mistakes That Kill BRRRR DealsBuy, Rehab, Rent, Refinance, Repeat only works if the numbers survive the refinance. Avoid these five traps that trap your capital.
- Hard Money vs. Conventional: When Speed WinsA 45-day bank close can cost you the deal. Here is when paying a few points for speed and certainty is the smartest money you will spend.
Ready To Fund Your Deal?
Tell me about your project and get a same-day answer. No application fee, no obligation, no nonsense.